Mortgage Center
Buying a home is about more than interest rates. You need knowledgeable mortgage professionals who give you their best-consistently. Whether you’re a first-time home buyer or looking to refinance an existing loan, our professionally trained staff of Mortgage Advisors is ready to help.
Mortgage
We offer a variety of home loan options to fit your individual lifestyle, budget, and goals. Mortgage loans offered by ACFCU include:
Conventional - Our most common mortgage loan with fixed rates and down payments as low as 3.00%*.
USDA - For homes in an area designated as rural by the U.S. Department of Agriculture with 100% finance and/or $0 down.
VA - Allows eligible active-duty service members, veterans and eligible surviving spouses to finance a home with $0 down and/or 100% finance.
FHA - Popular with our first time home buyers, this option includes lower down payments, lower closing costs, and require lower minimum credit scores.
Refinance
Thinking of refinancing but not sure if it’s the right fit for you? Here are a few reasons why refinancing your current mortgage loan could be beneficial:
Take advantage of lower interest rates.
Lower your monthly payment.
Shorten the term of your loan.
Convert the existing equity in your home into cash for home repairs and updates.
Save on interest and potentially pay off your mortgage sooner.
All mortgage programs are not the same, and it’s important to understand the differences. Whether you're buying your first home, making your next move or simply refinancing, ACFCU has the terms, features and options designed to make getting a mortgage easier. Let us help you understand all the choices you have when it comes to a home mortgage.
Meet Your Mortgage Team
NMLS #1508015
NMLS #2537426
How To Get Started
Have A Question?
If you have any questions regarding Mortgage Loans or Refinancing, you can also fill out the contact form below! Our Mortgage Loan Officer Matt Jones will reach out via your preferred contact method. If you prefer an email response, please let us know in your message.
*This is an unsecured form of communication, do not provide nonpublic information such as your account number or social security number.
Check Out Some of Our Satisfied Mortgage Members Below!
